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Quarterly Banking Profile

TABLE IV-A. Full Year 2000, FDIC-Insured Commercial Banks
Asset Size Distribution Geographic Distribution by Region
Less
than $100
Million
$100 Million
to
$1 Billion
$1 Billion
to
$10 Billion
Greater
than $10
Billion
East West

All Institutions North-
east
South-
east
Central  Mid-
west
South-
west
West 
Number of institutions reporting 8,315 4,841 3,079 313 82 665 1,425 1,792 2,144 1,384 905
Total assets (in billions) $6,239.1 $231.2 $773.4 $884.1 $4,350.3 $2,180.9 $1,610.7 $1,072.4 $419.0 $302.3 $653.7
Total deposits (in billions) 4,176.9 194.9 632.8 621.6 2,727.6 1,371.4 1,096.0 730.2 290.7 241.4 447.3
Net income (in millions) 71,023 2,203 9,391 10,852 48,576 27,126 16,629 10,650 5,644 2,833 8,142
% of unprofitable institutions 7.2 10.8 1.8 4.5 7.3 10.1 12.1 5.7 3.7 6.1 10.5
% of institutions with earnings gains 67.6 65.2 71.9 65.8 48.8 68.7 68.1 64.5 65.7 69.4 73.6
Performance Ratios (%)
Yield on earning assets 8.29 8.41 8.52 8.48 8.20 8.08 8.17 8.22 8.70 8.31 9.15
Cost of funding earning assets 4.34 3.87 4.00 4.20 4.46 4.52 4.25 4.56 4.24 3.84 3.93
Net interest margin 3.95 4.54 4.52 4.28 3.73 3.56 3.92 3.66 4.46 4.47 5.22
Noninterest income to earning assets 2.97 1.22 1.75 2.56 3.39 3.99 2.50 1.89 2.79 1.43 3.63
Noninterest expense to earning assets 4.18 3.89 3.91 3.97 4.30 4.62 3.92 3.35 4.17 3.73 5.14
Credit loss provision to assets 0.50 0.35 0.33 0.56 0.53 0.44 0.45 0.44 0.63 0.49 0.90
Net operating income to assets 1.21 1.01 1.29 1.31 1.19 1.28 1.12 1.07 1.44 1.05 1.44
Return on assets 1.19 1.00 1.28 1.28 1.16 1.30 1.05 1.03 1.42 0.97 1.38
Return on equity 14.04 9.02 13.55 14.47 14.41 16.35 12.33 12.88 15.41 10.99 13.56
Net charge-offs to loans and leases 0.67 0.41 0.33 0.70 0.75 0.79 0.61 0.40 0.83 0.43 1.01
Credit loss provision to net charge-offs 121.02 142.93 152.73 126.51 116.64 104.91 111.55 163.34 112.45 189.48 133.66
Efficiency ratio 58.42 67.03 61.48 56.10 58.00 59.17 58.74 58.78 55.62 61.44 55.85
Condition Ratios (%)
Earning assets to total assets 86.17 91.78 91.59 89.47 84.23 83.15 86.34 89.49 89.82 89.05 86.69
Loss allowance to:
Loans and leases 1.68 1.39 1.41 1.76 1.73 1.84 1.51 1.48 1.59 1.54 2.13
Noncurrent loans and leases 149.32 154.06 176.70 190.58 139.13 139.49 130.72 146.06 195.13 171.80 208.53
Noncurrent assets plus
other real estate owned to assets. 0.74 0.67 0.61 0.64 0.79 0.73 0.82 0.74 0.61 0.62 0.73
Equity capital ratio 8.49 11.07 9.59 8.98 8.05 8.00 8.61 7.91 9.49 8.93 9.89
Core capital (leverage) ratio 7.70 11.00 9.28 8.35 7.11 7.48 7.49 7.57 8.25 8.21 8.65
Tier 1 risk-based capital ratio 9.41 16.33 12.91 11.00 8.30 9.53 8.89 8.81 10.45 11.42 10.00
Total risk-based capital ratio 12.13 17.43 14.07 12.80 11.49 12.47 11.64 11.65 12.60 13.27 12.39
Net loans and leases to deposits 89.84 71.86 78.64 88.63 93.99 81.51 95.07 98.24 96.83 74.41 92.58
Structural Changes
New charters 192 189 2 1 0 18 67 35 23 13 36
Banks absorbed by mergers 453 193 207 47 6 35 108 104 99 59 48
Failed banks 6 5 1 0 0 0 1 1 2 0 2
PRIOR FULL YEARS
(The way it was)
   Number of institutions
1999
8,581 5,156 3,031 318 76 678 1,450 1,859 2,205 1,456 933
1997 9,142 5,853 2,922 301 66 714 1,525 1,998 2,329 1,600 976
1995 9,940 6,658 2,861 346 75 794 1,659 2,178 2,487 1,773 1,049
 
   Total assets (in billions)
1999
$5,735.2 $242.4 $755.1 $915.2 $3,822.5 $2,009.6 $1,531.6 $952.5 $389.6 $314.2 $537.7
1997 5,014.9 267.8 727.7 902.7 3,116.7 1,893.9 946.9 804.8 335.0 355.9 678.4
1995 4,312.7 297.9 696.7 1,052.8 2,265.2 1,625.6 737.7 695.2 287.5 326.4 640.3
 
   Return on assets (%)
1999
1.31 1.01 1.34 1.48 1.28 1.24 1.29 1.28 1.48 1.15 1.63
1997 1.23 1.18 1.33 1.36 1.18 1.14 1.23 1.29 1.43 1.22 1.35
1995 1.17 1.18 1.24 1.27 1.10 1.02 1.19 1.15 1.50 1.20 1.41
   Net charge-offs to loans & leases (%)
FHLB Advances 0.61 0.37 0.36 0.68 0.66 0.79 0.45 0.37 0.76 0.47 0.95
1997 0.64 0.28 0.36 1.08 0.58 0.73 0.46 0.50 0.82 0.38 0.83
1995 0.49 0.24 0.37 0.69 0.46 0.64 0.32 0.31 0.54 0.24 0.62
   Noncurrent assets plus
   OREO to assets (%)
1999
0.63 0.66 0.58 0.58 0.66 0.72 0.58 0.55 0.60 0.61 0.67
1997 0.66 0.71 0.65 0.77 0.63 0.73 0.59 0.58 0.69 0.52 0.72
1995 0.85 0.78 0.80 0.82 0.89 1.03 0.64 0.63 0.64 0.62 1.09
   Equity capital ratio (%)
1999
8.37 10.68 9.24 9.09 7.87 7.71 8.60 8.02 8.84 8.53 10.29
1997 8.33 10.81 9.62 9.16 7.58 7.33 8.87 8.35 9.06 8.65 9.82
1995 8.11 10.42 9.39 8.57 7.19 7.61 8.23 8.30 8.70 8.52 8.53

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